Sales invoice factoring Sales invoice factoring is a simple and effective way to guarantee the cash flow for your business.
Watch our video for a quick overview of how sales invoice factoring works.
Start sales invoice factoring
With Factor, you can also send invoices to your clients as E-INVOICES.
How does it work?
You sell your goods or services.
Issue a sales invoice with a payment term of 7–90 days.
Upload the invoice to the Factor self-service and receive your funds the same day.
Your liquidity is preserved and business risk is lowered.
Why choose sales invoice factoring?
No to pointless paperwork
We make decisions quickly, with funds received in your account on the same day, ensuring that your business has the liquidity it needs.
No fixed costs
For us, transparency and flexibility are key, which is why we offer a simple and clear pricing structure with no hidden fees. We also offer invoice factoring for individual invoices annually.
Grow your business
As startups in particular may not yet have large invoices, we are also ready to help with smaller invoices (ranging from €30–€150).
12 reasons to choose us Why choose Factor?
| Here’s why Factor is your best choice | Traditional factoring | Factor Finance OÜ |
|---|---|---|
| By its nature, it is the lending of money | YES, it is a loan | NO, it is not a loan |
| Instant funding | 70-80% | 100% |
| Money arrives as one payment, not in installments |  | |
| Also suitable for startups and small businesses | | |
| No fixed monthly costs | | |
| Buyer’s credit risk transferred | | |
| Simple and transparent pricing | | |
| Small invoices also allowed (from €150) | | |
| Single invoices also possible (one invoice per year) | | |
| Convenient and fast process | | |
| No hidden costs | | |
| My return on capital ratio improves | | |
Sales invoice calculator
Invoice amount:
Payment term
Saate raha kohe kätte:
Estimated Provision::
* Calculations made with the calculator are approximate and informative, therefore, they may differ from the terms offered to you.
FAQ We are here to help you!
Can I become your client if I have a new, one-person startup?
Yes, absolutely! Our service is also designed to support startups. We look forward to you joining our growing list of clients!
What if my client is delaying payment – can I transfer their outstanding invoices to you?
Yes, if our assessment of your client is positive, you can assign their invoices to us – except for those with past due payment dates.
I currently have a small credit issue. Can I still become your client?
Yes, you can! We evaluate each situation individually and will find a suitable solution for you.
What happens if I transfer an invoice to you, but the buyer does not pay on time?
No need to worry! We handle reminders and, if necessary, take care of debt collection.
Can I transfer invoices in foreign currencies to you?
Yes! We finance invoices in EUR (euros), SEK (Swedish Krona), NOK (Norwegian Krone), DKK (Danish Krone), and, by prior agreement, other currencies.
Do you finance invoices that are already overdue?
Unfortunately, no. We only finance invoices that are still within their payment term.
Do you finance small invoices?
Yes! We do not have a size limit – we finance invoices starting from as little as €30.
Do you finance invoices issued to foreign countries?
Yes! We finance invoices linked to Estonia, Sweden, Finland, Norway, Denmark, Latvia, and Lithuania. We can also finance invoices to other countries by prior agreement.
How quickly can I receive the payment for my invoice?
Typically, we transfer the money either the same day or the next business day.
Do I need to transfer all my invoices, or can I choose only a few?
You have complete freedom to decide which invoices to transfer and when.
Which invoices do you finance?
We finance both domestic sales invoices (starting from €30) and export invoices, as long as they are still within their payment terms.
How do I transfer an invoice to you?
Log in to our self-service portal at https://lihtfaktooring.factor.ee/ and upload your invoice(s) in PDF format. It is quick and easy – it only takes a minute!
Why choose Factor Finance Simple Factoring?
There are many reasons. In particular, our service helps you achieve your business goals, improves sustainability, ensures smooth supply chain operations, and, most importantly, helps you run your business with maximum efficiency and minimal risk! 6 key benefits of using our Simple Factoring service:
- Your business will always have a cash flow.
- Improved financial stability and reduced credit risks.
- Reduced administrative workload – we handle collections for you.
- Better relationships with partners due to faster cash turnover.
- Transparent pricing with no hidden fees.
- Improved credit rating for your business.
How does Factor Finance Simple Factoring differ from traditional factoring?
Simple Factoring VS Traditional factoring:
Factor Finance Simple Factoring is not a loan, while traditional factoring, on the other hand, is a loan where you receive short-term financing based on your sales invoices.
With Factor Finance Simple Factoring, fees are simple and calculated once with all costs known in advance, unlike traditional factoring, where the fee structure is complex, takes place in multiple instalments, and final costs are difficult to predict accurately.
Factor Finance pays you 100% of your invoice immediately, minus the agreed fee, unlike traditional factoring, where only 70–90% of your invoice amount is initially financed, minus the agreed upon fees.
Factor Finance provides you with immediate payment in one lump sum, ensuring fast currency circulation, while payments in traditional factoring are often split over multiple instalments, thereby slowing down currency circulation, along with many accounting entries.
At Factor Finance your invoice serves as collateral. In the case of traditional factoring, part of the final amount (10–30%) is reserved as an additional guarantee, plus additional collateral.
Factor Finance keeps the ledger, and handles reminders and collections, while with traditional factoring, you have to manage everything yourself, which means there is no resource-saving effect.
Factor Finance offers a business access to additional financial services, whereas traditional factoring providers typically bind businesses tightly to the requirements of a credit institution or financial organisation.
With Simple Factoring, your company’s return on capital always improves, whereas with traditional factoring, the return on capital remains the same or may even decrease.
Factor Finance offers businesses the flexibility to factor even individual invoices, whereas traditional factoring requires the majority of the company’s sales invoices to be factored. As a result, the overall cost and expense ratio of traditional factoring services are high.
Can startups and small businesses also join Simple Factoring?
Yes! Whether you are a startup, small or medium-sized business, you can sign up with us.
What commitments come with signing a contract?
Signing a contract with Factor Finance does not bind you to anything – it simply gives you the freedom to use our services whenever you need them.
Do I need to pledge my assets when signing the contract?
No, we do not require any collateral or a mortgage.
Can I terminate the contract at any time? Will there be any additional costs?
Yes, you can terminate the contract at any time, and there will be no extra costs involved.
